Thanks so much! I was accepted to Temple University but waitlisted for funding, and Columbia offered a 20k scholarship. I figure worst case scenario I could probably get my GI Bill to cover the tuition for Temple if I don't end up getting funding, but it's not guaranteed.
That's definitely one thing I've been told repeatedly, not to pay for an MFA. Honestly, if I don't get in anywhere with funding I have no problem rejecting the offers I have and applying again next cycle. I'm graduating from undergrad this semester so this is my first time applying to programs.
I've also heard that academic institutions hold a grudge if you rescind an acceptance. My original plan was to wait until the end of next week to start negotiations, regardless of who I don't hear back from but that deadline might just have to move up a little.